The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$10,112
−HK$635/mo
▼ 0.25% · 3.875%
HK$10,427
−HK$320/mo
Today · 4.125%
HK$10,747
baseline
▲ 0.50% · 4.625%
HK$11,400
+HK$653/mo
Deposit HK$2.22M · loan HK$2.22M · min. income ≈ HK$21,494/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$66,522 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$11,250
−HK$608/mo
▼ 0.25% · 3.875%
HK$11,552
−HK$306/mo
Today · 4.125%
HK$11,858
baseline
▲ 0.50% · 4.625%
HK$12,483
+HK$625/mo
Deposit HK$2.22M · loan HK$2.22M · min. income ≈ HK$23,716/mo (50% DSR)
Upfront cash ≈ HK$2.28M (deposit + AVD stamp duty HK$66,522 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$12,135
−HK$761/mo
▼ 0.25% · 3.875%
HK$12,512
−HK$384/mo
Today · 4.125%
HK$12,896
baseline
▲ 0.50% · 4.625%
HK$13,681
+HK$785/mo
Deposit HK$1.77M · loan HK$2.66M · min. income ≈ HK$25,792/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$66,522 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$13,500
−HK$729/mo
▼ 0.25% · 3.875%
HK$13,862
−HK$367/mo
Today · 4.125%
HK$14,229
baseline
▲ 0.50% · 4.625%
HK$14,979
+HK$750/mo
Deposit HK$1.77M · loan HK$2.66M · min. income ≈ HK$28,458/mo (50% DSR)
Upfront cash ≈ HK$1.84M (deposit + AVD stamp duty HK$66,522 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$14,157
−HK$888/mo
▼ 0.25% · 3.875%
HK$14,598
−HK$447/mo
Today · 4.125%
HK$15,045
baseline
▲ 0.50% · 4.625%
HK$15,961
+HK$916/mo
Deposit HK$1.33M · loan HK$3.10M · min. income ≈ HK$30,090/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$66,522 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$15,750
−HK$851/mo
▼ 0.25% · 3.875%
HK$16,172
−HK$429/mo
Today · 4.125%
HK$16,601
baseline
▲ 0.50% · 4.625%
HK$17,476
+HK$875/mo
Deposit HK$1.33M · loan HK$3.10M · min. income ≈ HK$33,202/mo (50% DSR)
Upfront cash ≈ HK$1.40M (deposit + AVD stamp duty HK$66,522 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$18,202
−HK$1,142/mo
▼ 0.25% · 3.875%
HK$18,769
−HK$575/mo
Today · 4.125%
HK$19,344
baseline
▲ 0.50% · 4.625%
HK$20,521
+HK$1,177/mo
Deposit HK$443K · loan HK$3.99M · min. income ≈ HK$38,688/mo (50% DSR)
Upfront cash ≈ HK$510K (deposit + AVD stamp duty HK$66,522 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$20,250
−HK$1,094/mo
▼ 0.25% · 3.875%
HK$20,793
−HK$551/mo
Today · 4.125%
HK$21,344
baseline
▲ 0.50% · 4.625%
HK$22,469
+HK$1,125/mo
Deposit HK$443K · loan HK$3.99M · min. income ≈ HK$42,688/mo (50% DSR)
Upfront cash ≈ HK$510K (deposit + AVD stamp duty HK$66,522 · Scale 2, in force from 26 Feb 2026)
Up to 90% LTV is available for self-use properties at HK$10M or below under the Mortgage Insurance Programme (first-time buyers).